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Foreclosure Defense Lawyer


Experienced Foreclosure Defense Attorney

Our Florida Law Firm Stands Up for Your Rights

Losing a home to foreclosure is a frightening and stressful experience. You wonder if your credit will be ruined and how you’ll find another place for you and your family to live. You may feel embarrassed about your situation. Unfortunately, in Florida, home foreclosures are all too common. But it doesn’t have to happen to you. Even before you are formally served with a foreclosure notice, there are things you can do to potentially stop the process. If you have already been served, you still may be able to keep your home. But it is usually crucial at this point to get the assistance of a skilled and aggressive foreclosure defense attorney.

Carlos M. Amor is an experienced foreclosure defense attorney who has successfully helped many others. He will strategize a path forward and stand up for your rights. Call our law firm today at (954) 453-7200 to arrange a consultation so we can learn about your situation. For our clients’ convenience, our office offers free consults, by phone, via video meeting or in person.

Florida Foreclosure Defense Lawyers Understand the Law

Reach Out to a Knowledgeable Attorney for Help

Lenders can’t simply put padlocks on your doors and throw you out when you haven’t paid the mortgage. Under federal consumer protection law in most cases, they must wait until you have missed payments for at least 120 days before they can begin to foreclose. And before that time is up, they must inform you about possible loss mitigation opportunities to keep your home, or give up the home without foreclosure, depending on your situations and goals. These include loan modifications, repayment plans, short sales, and other options.

Carlos M. Amor is an experienced Florida foreclosure defense lawyer, skilled at negotiating with lenders to protect homeowners. Call our office now to discuss possible loss mitigation options for your circumstances and how we can help you.



“The first foreclosure case was filed against me and my family’s home in 2008 and had been dismissed-refiled two times since then. When I received a notice in the mail in 2018 that suggested the bank was going to re-open my old foreclosure case I decided to take the initiative and attempt to negotiate the debt and hire an attorney before the foreclosure was filed. The mortgage on my property at that point was at $1.63 million dollars. Not only was he able to negotiate the lien with the new lender but Carlos was able to reduce the total balance down to $625K!!. That was a reduction of over $1 million dollars and comes out to 38% of the total debt previously owed. I have allowed Carlos to share the documents that prove my success story with future clients because I think this service and tactic could save thousands of people who have been in the same position since 2008. I highly recommend his services.” – Mario S.

Delivering Real Debt Solutions with Significant Savings

Learn How a Foreclosure Defense Attorney Can Help

If you are not in foreclosure but have begun receiving notices of an imminent foreclosure filing or had a prior foreclosure that was dismissed, our law firm may be able to obtain a reduced payoff for your current mortgage through a refinance with our loan evaluator. If you have been in default for several years, there is a good chance your loan was purchased by an investment group for pennies on the dollar. That means your new mortgage holder may be willing to accept a payment that is much less than what is “legally” owed on the mortgage in order to release the lien. If you and your property meet a list of specific requirements, and you qualify, we may be able to find a loan for you that would pay off the prior mortgage at a reduced and negotiated price. This type of “short pay” negotiation could potentially shave off tens of thousands or hundreds of thousands of dollars from your current mortgage debt. Call us today and find out if our pre-foreclosure debt reduction service is an option for you by dialing (954) 453-7200 today to arrange a free consultation.

Served with a Foreclosure Complaint?

Protect Your Home with the Help of a Skilled Foreclosure Defense Attorney

To begin the foreclosure process, lenders must go through the courts in Florida. This is called a judicial foreclosure. In a judicial foreclosure, the lender files a lawsuit with the court. Homeowners facing foreclosure are served with a foreclosure complaint that they then have 20 days to respond to in writing. When you respond to the complaint and present your defense or defenses, litigation of the lawsuit begins. If you don’t respond to the complaint at all or you don’t do it within the 20-day deadline, your home will most likely be taken from you and sold. If you have received a foreclosure complaint don’t delay in responding if your goal is to keep your home. And before you respond, it’s highly recommended that you get legal assistance to help you through this complex process.

Foreclosure litigation can resemble a game of chess. One of the similarities is that your “opening” in chess — i.e., the first set of moves you make — typically determines your “end game” or how and if you win the game. In litigation it’s no different. In the context of a foreclosure case, the first steps you take are extremely important, including how you respond to the complaint to defend yourself.

Carlos M. Amor is an experienced foreclosure defense attorney who will review your case to determine an appropriate defense. He will then prepare a response to increase your chances of a satisfactory outcome and file the paperwork for you. Work with an attorney who has in-depth insight into Florida foreclosure law by calling (954) 453-7200 today.

Lenders Can and Do Make Mistakes

We’ll Present a Strong Line of Defense to Keep Your Home

There are various defenses that can be raised in foreclosure cases. The lender might have made a mistake in servicing your loan, or they might not have followed proper legal procedures before filing a foreclosure suit.

However, if they aren’t called out on those mistakes in a timely manner, in writing and through methods afforded by Florida law, you will not be able to mount a substantive defense or counterclaim. There are a variety of mistakes lenders can and do make. Here are a few examples:

  • Failing to provide written notice of your default
  • Mistakenly increasing escrow payments or insurance premiums
  • Not paying property taxes in a timely manner
  • Failing to provide you with loss mitigation options
  • Unfairly denying your loan modification request

If you suspect a mistake, the best course of action is to send a formal Notice of Error right away. The lender must respond to you within a specific time frame. You can also request records associated with your account through a written Request for Information. Again, there are specific time frames in which you can expect a response. They vary based on the type of error or information request. Notices and requests should be sent via certified mail, return receipt requested so the lender can’t say they didn’t receive it.

Contact our law office for help right now to get started on that process before you file your first response to the complaint. Additionally, if you have been in foreclosure for many years or if your lender is just resurfacing years after you “won” your previous foreclosure case, there is still time to mount a proper defense. Attorney Carlos M. Amor can help you develop an effective strategy.

In Danger of Losing Your Home?

Learn Your Options from Our Foreclosure Defense Lawyer in Florida

When you’re facing a foreclosure, you need to understand what alternatives are available to you. When you come to our law office, our foreclosure defense lawyer will work closely with you to ensure that you understand all your options. Then, based on that understanding, we will determine the best strategy for your case. It’s our goal to help you keep your home and reduce the negative financial impacts of foreclosure.

Attorney Carlos M. Amor offers free consults, by phone, via video meeting or in person. Call us at (954) 453-7200 to schedule a consultation.

Don’t Give Up When Faced with Losing Your Home

A Foreclosure Defense Attorney Will Help Mitigate Your Losses

Moving out of your home during a foreclosure will not make your debt disappear. Your mortgage company or lender can still bring a suit against you to collect your unpaid mortgage in an action for deficiency judgment. This alone will ruin your credit, making it extremely difficult to purchase or even rent another home.

Our law firm is committed to helping you find the perfect solution during your foreclosure. While we do not recommend abandoning your property, our team will still develop a strategy to mitigate any losses. This will prevent lawsuits and reduce the long-term impact on your credit score. Don’t go it alone when you are facing foreclosure. We will help find the best solutions for your situation.

Reach Out to a Compassionate Foreclosure Defense Lawyer in Florida

Give Yourself a Fighting Chance When Your Home is Threatened

If you’re facing foreclosure and are ready to fight for your home, you’ve come to the right place. Our foreclosure defense attorney will help you in developing a strategy to prevent foreclosure and keep a roof over your head. Losing a home is devastating. Our compassionate defense team takes great pride in successfully helping clients through this difficult time. While it may seem like your mortgage company has you backed into a corner, we’re only a phone call away to help you fight your way out of it.

Foreclosure is a complicated process that requires educated handling. Our foreclosure defense lawyer in Florida has extensive experience in all real estate-related areas, including assisting clients who are in danger of losing their homes and ruining their credit scores due to foreclosure. When your home is threatened, it is wise not to deal with your mortgage lender on your own. With our legal help, your chances of a satisfactory outcome are improved.

Call our Florida real estate law firm at (954) 453-7200 today to schedule a time to speak with us. Attorney Carlos M. Amor offers free consults, by phone, via video meeting or in person.


Lori P.

I've consulted with Carlos on several different legal matters throughout the years. He listened and answered all my questions.

Lori Peterson

Luis A.

Carlos Amor as a lawyer is one of the best in Florida, I have to deal in my daily basis with lawyers and Carlos Amor is always prompt to help.

Luis Albarracin

Richard S.

Carlos went above and beyond to help me and my family. For the last 3 years he has represented me in my foreclosure case.

Richard Shaw

Mario S.

The first foreclosure case was filed against me and my family’s home in 2008 and had been dismissed-refiled two times since then

Mario S.

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    Carlos M. Amor is a skilled and experienced attorney and real estate broker. His legal practice in South Florida focuses on real estate litigation, real estate investments, tax deed and foreclosure auction purchases, traditional real estate transactions, short sales, foreclosure defense, and civil litigation. Carlos thinks “outside the box” and takes a practical approach to finding solutions that benefit his clients. [ Attorney Bio ]